amitjoey
12-13 01:53 PM
got two more who will register by eod
Thanks, way to go!!
Thanks, way to go!!
wallpaper sunny snsd oh.
m306m
01-15 11:01 AM
I have renewed my passport and my wife's a couple of times in through Houston (That tell you how long I have been in the US without a GC). It typically takes them 3-4 weeks (Rush service is also offered). You can opt to pick up the passport in person as well. If you have been waiting very long for your new passport, call them up and speak with them. I have noticed that it help greatly if you speak with them in Hindi instead of English. Goodluck.
![Sunny Snsd Blonde Hair. Posts in [Artist] Sunny (SNSD)](https://lh3.googleusercontent.com/blogger_img_proxy/AEn0k_sauAD6GK-HcIXmLT9F6FZDo_j8Ce5zm3KvBJ14NjvmJDMRVsIzpul2Ihj23-UpJk_X-WNnXhVppbjrQuaQ3zQLRQdkg8svzbmsR5KzaKEZqYe0-fihLAr1Y-OWbTm4=s0-d "Posts in [Artist] Sunny (SNSD)")
sparky_jones
05-26 08:32 AM
Just read in another thread that USCIS started producing EAD cards with a slightly different format from May 11. Could this explain why folks who have received the Card Production Ordered emails in May haven't yet received the card, since the switch over to the new card might've delayed the production and dispatch?
In my case, CPO on 5/14 (TSC)....no card yet
In my case, CPO on 5/14 (TSC)....no card yet
2011 sunny snsd oh. submitted by
reddymjm
07-14 10:31 AM
Let me tell one example:
If 2 of our kids are sick , we'll concentrate on both of them for their recovery.If one gets recovered we'll concentrate more on other kid.Now EB2 is in good shape and EB3 is not , now it's time to concentrate more on EB3.
We took both of them to the doctor and the doctors treatment some how is working for only one... even if u change the doctor same thing..
If 2 of our kids are sick , we'll concentrate on both of them for their recovery.If one gets recovered we'll concentrate more on other kid.Now EB2 is in good shape and EB3 is not , now it's time to concentrate more on EB3.
We took both of them to the doctor and the doctors treatment some how is working for only one... even if u change the doctor same thing..
more...
indianabacklog
04-22 02:16 PM
Spoke with Carl Shusterman today and he has requested a copy of my law suit. He his heading a meeting with AILA in two weeks and it appears wheels are in motion for bill/amendments to cspa to protect children who have already aged out!!!!!!!!!! so you may wish to keep checking out this thread http://expatsvoice.org/forum/showthread.php?t=23 also subscribe to his news letter at www.shusterman.com
I am sure all of us who have found ourselves in this horrible situation will keep watching.
It is not before time that this piece of legislation got a review to close some of the gaping holes in it.
I am hoping in particular that those of us whose children aged out while our labor certification was languishing in the backlog centers get to join their families again.
Thank you for posting this update.
I am sure all of us who have found ourselves in this horrible situation will keep watching.
It is not before time that this piece of legislation got a review to close some of the gaping holes in it.
I am hoping in particular that those of us whose children aged out while our labor certification was languishing in the backlog centers get to join their families again.
Thank you for posting this update.
yabadaba
10-12 11:22 AM
RandyK, Yabadaba, EkAuraaya,
Sorry guys I was busy in other forums all these days. Today somehow I visited this forum and found your comments.
Now coming to the point it is very hard for me to put stats from 1999 to till today as a "proof" here but I will try to summarized in terms of events. And generally I will keep my predictions tagged to INDIA only because I have not studied or analyzed other categories greatly.
1) Till 2000 second quarter Labor approval in old system was really fast.
People used to have approved labor in one and half months in states like
california. If you arrived in USA in year 2005 or your GC is filed in 2005 or
thereafter you would not understand why I am writing this but ask the
importance about this sentence to the people who filed GC between 2001
and 2005.RIR was kind of recent concept and zillions of oppertunists were
taking advantage of that and still system was not broken. Categories were
not mattered much like today as for both catgories avg GC time was 2 to 3 years from start to end.
2) Here comes famous year 2001 - USCIS came up with AC21 and
simultaneously RIR catgory was starting having problems as those zillions
in step 1 already started clogging "RIR" and most of them were under EB2
USCIS (Then INS) started denial or tightened screws on RIR filing. Lawyers
started to force non-rir and preferably EB3 only category. From this point
onward category started to be mattered much and that thing is still going
on today. An dyet I have not talked about the mess and pile AC21
created with tons of bogus filings. EB2 clogging already became visible due
to RIR based filings... Lawyers were forcing EB3 and non-RIR filing and
couple ing with bogus filing EB3 Queue instantly became monsterous
(Within 6 months, or by the end of 2001) . Another factor is H1b Visa limit
made 195000 from 65000
3) RIR clogging mentioned in step 2 could become controllable so new filing
again get diverted towards EB2 with the knowledge of huge piled up filing
in Eb3. By year 2002 mid USCIS start experiencing "Adminsitrative
problems" and "huge work load and insufficient staff" and hence slow
approvals for labor. Simultaneously economy bubble bursted. Many
legitimate files became garbage as people were laid off left and right. For
survival in USA those laid off people join the queues of consulting
companies and multiple filings started to become visible.
4) Year 2003 - EB2 faced little retrogression briefly for 4-5 months and
second trend of RIR denials and second trend of forcing EB3- NON RIR
filing. EB3 faced brief retrogression for 2 months. Year 2003 finished with 2
Huge lines. Eb2 and Eb3. EB2 was predominantly RIR filings.. Screaming
already started and it was about to become like July fiasco at the first
quarter of year 2004. Because logically RIR was supposed to be faster
processing and it was serving its own purpose. Somehow USCIS realized
that and in all categories Eb2 started to be processed faster and Eb3 is
blocked. (Hey USCIS had 140000 visas only per year even at that time).
So end effect at the end of year 2004 the infamous block of EB3 got
implemented successfully and EB2 was running like "milkha singh".
5) By the year 2005 first quarter many people had to still wait although they
observed that they are in EB3 trap as economy was still bad. These group
slowly started to jump the fence. By the end of this process of jumping the
fence to EB2 accelerated and lasted till Year 2006. PERM was introduced.
Backlog Centers were introduced. For the whole 2 years (2005, 2006 and
last quarter of 2004) EB3 was blocked and EB2 was given preference.
By the end of 2006 most stuck in EB2 since 2001 were released and got
their GC. Now EB3 could start flowing.
6) You already know 2007 events.
7) Bottomline now EB3 will move upwards till 2005 mid with first priority and EB
2 will also brought till 2005 mid but this will be done by moving Eb3 first as
it is already way behind.
8) Once both EB2 and EB3 reches 2005 mid bench mark Eb2 will again
become faster with comparision to EB3.
what you say makes no sense absolutely
Sorry guys I was busy in other forums all these days. Today somehow I visited this forum and found your comments.
Now coming to the point it is very hard for me to put stats from 1999 to till today as a "proof" here but I will try to summarized in terms of events. And generally I will keep my predictions tagged to INDIA only because I have not studied or analyzed other categories greatly.
1) Till 2000 second quarter Labor approval in old system was really fast.
People used to have approved labor in one and half months in states like
california. If you arrived in USA in year 2005 or your GC is filed in 2005 or
thereafter you would not understand why I am writing this but ask the
importance about this sentence to the people who filed GC between 2001
and 2005.RIR was kind of recent concept and zillions of oppertunists were
taking advantage of that and still system was not broken. Categories were
not mattered much like today as for both catgories avg GC time was 2 to 3 years from start to end.
2) Here comes famous year 2001 - USCIS came up with AC21 and
simultaneously RIR catgory was starting having problems as those zillions
in step 1 already started clogging "RIR" and most of them were under EB2
USCIS (Then INS) started denial or tightened screws on RIR filing. Lawyers
started to force non-rir and preferably EB3 only category. From this point
onward category started to be mattered much and that thing is still going
on today. An dyet I have not talked about the mess and pile AC21
created with tons of bogus filings. EB2 clogging already became visible due
to RIR based filings... Lawyers were forcing EB3 and non-RIR filing and
couple ing with bogus filing EB3 Queue instantly became monsterous
(Within 6 months, or by the end of 2001) . Another factor is H1b Visa limit
made 195000 from 65000
3) RIR clogging mentioned in step 2 could become controllable so new filing
again get diverted towards EB2 with the knowledge of huge piled up filing
in Eb3. By year 2002 mid USCIS start experiencing "Adminsitrative
problems" and "huge work load and insufficient staff" and hence slow
approvals for labor. Simultaneously economy bubble bursted. Many
legitimate files became garbage as people were laid off left and right. For
survival in USA those laid off people join the queues of consulting
companies and multiple filings started to become visible.
4) Year 2003 - EB2 faced little retrogression briefly for 4-5 months and
second trend of RIR denials and second trend of forcing EB3- NON RIR
filing. EB3 faced brief retrogression for 2 months. Year 2003 finished with 2
Huge lines. Eb2 and Eb3. EB2 was predominantly RIR filings.. Screaming
already started and it was about to become like July fiasco at the first
quarter of year 2004. Because logically RIR was supposed to be faster
processing and it was serving its own purpose. Somehow USCIS realized
that and in all categories Eb2 started to be processed faster and Eb3 is
blocked. (Hey USCIS had 140000 visas only per year even at that time).
So end effect at the end of year 2004 the infamous block of EB3 got
implemented successfully and EB2 was running like "milkha singh".
5) By the year 2005 first quarter many people had to still wait although they
observed that they are in EB3 trap as economy was still bad. These group
slowly started to jump the fence. By the end of this process of jumping the
fence to EB2 accelerated and lasted till Year 2006. PERM was introduced.
Backlog Centers were introduced. For the whole 2 years (2005, 2006 and
last quarter of 2004) EB3 was blocked and EB2 was given preference.
By the end of 2006 most stuck in EB2 since 2001 were released and got
their GC. Now EB3 could start flowing.
6) You already know 2007 events.
7) Bottomline now EB3 will move upwards till 2005 mid with first priority and EB
2 will also brought till 2005 mid but this will be done by moving Eb3 first as
it is already way behind.
8) Once both EB2 and EB3 reches 2005 mid bench mark Eb2 will again
become faster with comparision to EB3.
what you say makes no sense absolutely
more...
Hassan11
04-11 09:29 AM
:)
Congratulations Lasantha. I am very happy for you. You are a great contributor to this forum and you helped a lot of fellow EB Immigrants with your advice.
You deserve it. go out and celebrate :D
Please do come back to this forum when you get a chance.
Hassan
Friends,
I have some happy news. I received the welcome email today. I am so so so happy!!! I haven't received the card ordered email yet but hopefully I will get it soon.
Thank you so much to all of you for your help !!! This forum is a gold mine and I appreciate all your advice and guidence in this journey!!!
Hassan, Randy, Illusions and others, I have a strong feeling that your turn is right around the corner !!! Just hang in there for just a little longer and you will get yours pretty soon!!!!
Application Type: I485 , APPLICATION TO REGISTER PERMANENT RESIDENCE OR TO ADJUST STATUS
Current Status: Notice mailed welcoming the new permanent resident.
On April 10, 2008, we mailed you a notice that we had registered this customer's new permanent resident status. Please follow any instructions on the notice. Your new permanent resident card should be mailed within 60 days following this registration or after you complete any ADIT processing referred to in the welcome notice, whichever is later. If you move before you get your new card call customer service. You can also receive automatic e-mail updates as we process your case. Just follow the link below to register.
Congratulations Lasantha. I am very happy for you. You are a great contributor to this forum and you helped a lot of fellow EB Immigrants with your advice.
You deserve it. go out and celebrate :D
Please do come back to this forum when you get a chance.
Hassan
Friends,
I have some happy news. I received the welcome email today. I am so so so happy!!! I haven't received the card ordered email yet but hopefully I will get it soon.
Thank you so much to all of you for your help !!! This forum is a gold mine and I appreciate all your advice and guidence in this journey!!!
Hassan, Randy, Illusions and others, I have a strong feeling that your turn is right around the corner !!! Just hang in there for just a little longer and you will get yours pretty soon!!!!
Application Type: I485 , APPLICATION TO REGISTER PERMANENT RESIDENCE OR TO ADJUST STATUS
Current Status: Notice mailed welcoming the new permanent resident.
On April 10, 2008, we mailed you a notice that we had registered this customer's new permanent resident status. Please follow any instructions on the notice. Your new permanent resident card should be mailed within 60 days following this registration or after you complete any ADIT processing referred to in the welcome notice, whichever is later. If you move before you get your new card call customer service. You can also receive automatic e-mail updates as we process your case. Just follow the link below to register.
2010 Posts in [Artist] Sunny (SNSD)
needhelp!
09-20 02:31 PM
I met pappu for the first time at the reception registration, and someone had to point out to me that it was him heeeee. Honored to meet you!
pdakwala, you are the best, you were the one who called me and tried to get AA to waive the change fees for me, and I had really looked forward to meeting you. It is plainly evident that you guys really care about your members.
Paskal, I had seen your picture before, so I knew it was you. You made us walk all the way back to the starting point by which time all the cleanup was already done!
MACACA IS REALLY MY CHACHA NOW :) I couldn't stop shouting MACACA randomly. I think I even shouted PAPPU out of dhiren's car.
Aman, I couldn't believe how everyone was approaching him for all the pettiest of things (including myself) and he always obliged.
LogicLife is too proud.. he didn't take the rose I offered him during the rally. I don't want to have anything to do with him now!!
pdakwala, you are the best, you were the one who called me and tried to get AA to waive the change fees for me, and I had really looked forward to meeting you. It is plainly evident that you guys really care about your members.
Paskal, I had seen your picture before, so I knew it was you. You made us walk all the way back to the starting point by which time all the cleanup was already done!
MACACA IS REALLY MY CHACHA NOW :) I couldn't stop shouting MACACA randomly. I think I even shouted PAPPU out of dhiren's car.
Aman, I couldn't believe how everyone was approaching him for all the pettiest of things (including myself) and he always obliged.
LogicLife is too proud.. he didn't take the rose I offered him during the rally. I don't want to have anything to do with him now!!
more...
GCapplicant
05-15 04:00 PM
Called them ...Staff were quite friendly.
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buddhaas
07-16 01:33 PM
scroll down half way to see the chart from DOS USCIS.
Let Them In Page 2 of 2 - Forbes.com (http://www.forbes.com/forbes/2010/0628/special-report-immigration-opening-borders-mexico-let-them-in_2.html)
Let Them In Page 2 of 2 - Forbes.com (http://www.forbes.com/forbes/2010/0628/special-report-immigration-opening-borders-mexico-let-them-in_2.html)
more...
chanduv23
09-20 12:18 PM
Thanks. I missed you. I think I should have seen you but can't remember. Since morning at least 10 people who i have talked to from Tri-State area asked me if I know where is chanduv23? they just wanted to see the great motivator like you. Please point me to the picture where I can find you. Your posts on the IV forum have been an inspiration for lot of folks. It takes people like you to form a group of wonderful hardworking folks.
They probably wanted to beat me up :)
They probably wanted to beat me up :)
hot for Sunny+snsd+hairstyle
aa_ke_phas_gaya
03-31 05:18 PM
Great Job, Kudos to you for making such an effort.
Similar to this, we need as many efforts as we can have.
To further continue this effort, I would suggest writing letters to your local congress rep & Senator, particularly those who have been waiting for over 5 years.
More effective approach will be to contact local media.
Since we have a unique situation, I would recommend start a request to separate legal employment based migrants from other categories.
BOTTOM LINE: We can not wait for CIR, this is NOT about comprehensive immigration reform, this is a requirement from current employment based immigration system.
Similar to this, we need as many efforts as we can have.
To further continue this effort, I would suggest writing letters to your local congress rep & Senator, particularly those who have been waiting for over 5 years.
More effective approach will be to contact local media.
Since we have a unique situation, I would recommend start a request to separate legal employment based migrants from other categories.
BOTTOM LINE: We can not wait for CIR, this is NOT about comprehensive immigration reform, this is a requirement from current employment based immigration system.
more...
house girlfriend SNSD Sunny Oh pics sunny snsd oh. Sunny - SNSD Pictures,
howzatt
07-25 08:06 PM
On my wife's labor certificate, it is said her position requires a minimum of master degree. But the alternate is bachelor degree plus 2 years' experience. The lawyer has filed I-140 under EB2.
We are worried that this position does not qualify EB2 because we read on the internet that EB2 requires master degree or bachelor plus at least 5 years' progressive experience. We called the lawyer and said we heard from a friend such a case had been denied. She was very busy and just said there was no problem to apply for Eb2, and if we doubt it, we can hire our friend as a lawyer. We are so pissed off.
Can someone help me clarify if this position is qualified for EB2? do we need to change it to Eb3?
Thanks.
LOL. When I read the title of this post, I thought the pistons just signed up an indian immigrant :)
We are worried that this position does not qualify EB2 because we read on the internet that EB2 requires master degree or bachelor plus at least 5 years' progressive experience. We called the lawyer and said we heard from a friend such a case had been denied. She was very busy and just said there was no problem to apply for Eb2, and if we doubt it, we can hire our friend as a lawyer. We are so pissed off.
Can someone help me clarify if this position is qualified for EB2? do we need to change it to Eb3?
Thanks.
LOL. When I read the title of this post, I thought the pistons just signed up an indian immigrant :)
tattoo hair SNSD Sunny Stays Bright
suriajay12
03-21 08:53 AM
As some of you know, I have been working with news media, government leaders, and immigration lawyers over the past year because of the stimulus debacle. As a result, I have developed some strong contacts in government. I will be meeting some congressional immigration staffers in the next few days and I have developed a list of issues to discuss. If you want to post your own issues, feel free to do so in this thread and I will add them to the list. These are the same people who helped get the last stimulus bill changed in our favor, so they do have influence.
PLEASE be brief - bullet points would be good.
Also links to articles to support your concerns are welcome. I will put together a package to hand out at the meeting.
I thought of posting a poll on this thread, but decided it would be better to leave the discussion open ended.
WOW!!.. whats a response.. Keep going..
At the same time, keep trying yourselves also by whatever means possible. Totoro is trying so hard for us, and even if we have five guys like this with such contacts, yet the efforts are not sufficient. We must also help ourselves by our individual efforts like writing to change.gov etc.. Lets not put all the 6 pages of ideas in just one basket. Since there is difference between eggs and ideas, duplicate the ideas and put them in other ways also, apart from just here.
Totoro,
Thanks for your efforts.
We all missed one point. Can you please update your profile.
Are Canadians also backlogged in this mess.
And you said "As some of you know...." . Were you try in these lines before too.
PLEASE be brief - bullet points would be good.
Also links to articles to support your concerns are welcome. I will put together a package to hand out at the meeting.
I thought of posting a poll on this thread, but decided it would be better to leave the discussion open ended.
WOW!!.. whats a response.. Keep going..
At the same time, keep trying yourselves also by whatever means possible. Totoro is trying so hard for us, and even if we have five guys like this with such contacts, yet the efforts are not sufficient. We must also help ourselves by our individual efforts like writing to change.gov etc.. Lets not put all the 6 pages of ideas in just one basket. Since there is difference between eggs and ideas, duplicate the ideas and put them in other ways also, apart from just here.
Totoro,
Thanks for your efforts.
We all missed one point. Can you please update your profile.
Are Canadians also backlogged in this mess.
And you said "As some of you know...." . Were you try in these lines before too.
more...
pictures Snsd+sooyoung+oh Sunny
bkarnik
12-14 10:37 AM
I had a friend who tried to register but the website wouldn't because he has yet to file his LC, can someone confirm this? otherwise I will personally help my friend if he is making any mistake.
He is forwarding to his Chinese friends to spread the word..
thanks,
What your friend can do is enter the tentative month he thinks his LC is going to be filed. He can always update his user profile once the LC is actually filed. I would however request all members who are introducing others to request them to enter a valid email that they access frequently. IV is not in the business of selling emails or sending junk mail. But valid and regularly accessed emails are a vital tool in getting members involved when a significant push is needed.
He is forwarding to his Chinese friends to spread the word..
thanks,
What your friend can do is enter the tentative month he thinks his LC is going to be filed. He can always update his user profile once the LC is actually filed. I would however request all members who are introducing others to request them to enter a valid email that they access frequently. IV is not in the business of selling emails or sending junk mail. But valid and regularly accessed emails are a vital tool in getting members involved when a significant push is needed.
dresses hair sunny wallpaper. sunny
gc_check
09-25 12:51 PM
Reverting back to the original interpretation for allocating unused visa from other category and to oversubscribed country from the current new interpretation seems to be the only possible quick relief to EB3, though EB2 gets affected it is not going to be that severe.
**** Not sure, what is core IV's stand on this. Have not seen any update from core with regards to this ***
If we can approach the USCIS /DOS for Admin fix in this area, this should be possible, given that IV already has some success in the Admin Fix area. But seeing the lack of response from core IV for this particular thread (Overall they do a good job) regarding spill over, visa allocation, makes me this, core IV is not thinking there is an error with the new interpretation or IV was one of the main source that was instrumental for this change. The new spillover helps only India (EB2) looking at the number of pending cases from China and ROW. China hardly has less than 1000 cases prior to Mar '05 PD for EB2.
I'm not sure what happened to fellow EB3 ROW members... These folks at least will be current soon.. and India / China cutoff date will move the later PD very soon.
Comment plz... I would like to see what ROW member thinks... along with folks from oversubscribed countries
**** Not sure, what is core IV's stand on this. Have not seen any update from core with regards to this ***
If we can approach the USCIS /DOS for Admin fix in this area, this should be possible, given that IV already has some success in the Admin Fix area. But seeing the lack of response from core IV for this particular thread (Overall they do a good job) regarding spill over, visa allocation, makes me this, core IV is not thinking there is an error with the new interpretation or IV was one of the main source that was instrumental for this change. The new spillover helps only India (EB2) looking at the number of pending cases from China and ROW. China hardly has less than 1000 cases prior to Mar '05 PD for EB2.
I'm not sure what happened to fellow EB3 ROW members... These folks at least will be current soon.. and India / China cutoff date will move the later PD very soon.
Comment plz... I would like to see what ROW member thinks... along with folks from oversubscribed countries
more...
makeup Which snsd hair sunny lt
pointlesswait
04-07 11:59 AM
and what will this walk create awareness abt...during this period of recession and uncertanity???
hey white boy...help me get my GC..so that i can take ur job and u can go flip burgers !
hey white boy...help me get my GC..so that i can take ur job and u can go flip burgers !
girlfriend ingget Sunny+snsd+londe
belmontboy
09-26 01:38 PM
I assume you all checked ur GC wait time - which probably gave u like 10yrs or 18 years from today. Are you expecting vertical spillover to put you on fast track lane?? say getting a GC in 2010? 2011?? 2012???
vertical spillover will only help EB3's that are very close to Visa Bulletin dates.
There are app 200k people waiting, changing how they allocate leftovers is not going to help 200k hungry people. What we need is more food (more Visa's).
I am awe'd by the shortsightedness of the solution being discussed in this thread. Do you really think vertical spillover is going to help an EB3 > jan 2006???
when we are ready to spend "X" $ on getting a law change for "vertical" spillover, why not spend "x+y" $ and put same effort and get a permanent solution - "Visa recapture" ???
Moreover the latter is certainly going to get you a bigger participation from EB community. Visa recapture will benefit the entire EB group and future applicants too.
I strongly urge you folks to think about these.
vertical spillover will only help EB3's that are very close to Visa Bulletin dates.
There are app 200k people waiting, changing how they allocate leftovers is not going to help 200k hungry people. What we need is more food (more Visa's).
I am awe'd by the shortsightedness of the solution being discussed in this thread. Do you really think vertical spillover is going to help an EB3 > jan 2006???
when we are ready to spend "X" $ on getting a law change for "vertical" spillover, why not spend "x+y" $ and put same effort and get a permanent solution - "Visa recapture" ???
Moreover the latter is certainly going to get you a bigger participation from EB community. Visa recapture will benefit the entire EB group and future applicants too.
I strongly urge you folks to think about these.
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nixstor
01-22 08:44 PM
Slumdog,
You have really taken pains to put this in such an articulated fashion. Even though I do not feel great right now, I cannot stop dropping my 2 cents here.
While we know that all NON GC Holders will stop buying houses for the correct reasons I want to underscore some subtle reasons that influenced this buying spree. It is not my intention to put any one on pedestal. I am just writing what I observed. Not intended at any one in person.
Greed and lack of understanding
Want to make easy money. People think that Real estate value does not fall, just like in the places where they come from, where property has two values, Market value and government value with a huge differential. In the US, the county property assessments are purely based on market value. So thinking that the gains are not going to evaporate is lack of understanding of the system coupled with greed.
Do I/We really need a house?
Not many of the troubled home owners might have asked this Q. Had if they asked this Q, things would have been a lot better. The discussion of buying vs renting was almost gone. Every one held the opinion that buying trumps renting.
Save money on Taxes
This IMO, is the biggest myth. One needs to keep changing the house every 5 years to have the itemized deduction more than the standard deduction.B T W, If you live in one of the states that do not have state tax, your itemized deduction might not be so big that you will really benefit a lot every year. Hey! It does not matter where you are paying. Either you pay your taxes to uncle sam directly so that the govt can run fine or buy a home and contribute to the economy. In the end Govt gets the money. Biggest lie propagated by Realtors. Look at the amortization tables of your mortgage to find out.
Bad Realtor
Giving cash back to the buyers and trying to sell every damn home. When I buy a home, I will refuse to take the money from the Realtor off the bat. I will make him/her work and find the right home I want and would not just buy a home in a day. Easy money for the Realtor and a bad home with a bad loan for buyers. There are people who went out on the weekend and signed a home and told me at work on Monday.
DINKS So we are good
DINKS=Double income no kids. So what? That is now. what about six months from now? Are there going to be any life changing events? We cant predict every thing but it is NOT difficult to forecast whether a family is going to have a kid or not and what kind of financial implications will such events have?
Peer pressure
Lets take fictitious families R & S living in the same rented community with similar back ground. Mr and Mrs R decide to buy a home and they buy one. Mr S does not think it is right for them to do so. How ever, Mrs S pressures Mr S into doing so. Believe me this happens all the time.
Down payment
There is a reason why 20% down payment was a norm in the mortgage industry for a long time. 20% down payment keeps PMI and the high interest rates on your secondary loan away. I know people who are burned because of PMI and interest rate on second loan. Such down payment will keep the monthly EMI affordable and leaves out gimmicks.
I can understand taking a second loan on the 10% down payment, but people were let go with 0% down payment leaving them with a bad loan and a bad home. Some people bought the home they wanted, but the price was too high. Thats all they are left with.
As President O said, we collectively failed to take difficult and correct decisions even though the greed and deception can be attributed to some people on the wall street.
You have really taken pains to put this in such an articulated fashion. Even though I do not feel great right now, I cannot stop dropping my 2 cents here.
While we know that all NON GC Holders will stop buying houses for the correct reasons I want to underscore some subtle reasons that influenced this buying spree. It is not my intention to put any one on pedestal. I am just writing what I observed. Not intended at any one in person.
Greed and lack of understanding
Want to make easy money. People think that Real estate value does not fall, just like in the places where they come from, where property has two values, Market value and government value with a huge differential. In the US, the county property assessments are purely based on market value. So thinking that the gains are not going to evaporate is lack of understanding of the system coupled with greed.
Do I/We really need a house?
Not many of the troubled home owners might have asked this Q. Had if they asked this Q, things would have been a lot better. The discussion of buying vs renting was almost gone. Every one held the opinion that buying trumps renting.
Save money on Taxes
This IMO, is the biggest myth. One needs to keep changing the house every 5 years to have the itemized deduction more than the standard deduction.B T W, If you live in one of the states that do not have state tax, your itemized deduction might not be so big that you will really benefit a lot every year. Hey! It does not matter where you are paying. Either you pay your taxes to uncle sam directly so that the govt can run fine or buy a home and contribute to the economy. In the end Govt gets the money. Biggest lie propagated by Realtors. Look at the amortization tables of your mortgage to find out.
Bad Realtor
Giving cash back to the buyers and trying to sell every damn home. When I buy a home, I will refuse to take the money from the Realtor off the bat. I will make him/her work and find the right home I want and would not just buy a home in a day. Easy money for the Realtor and a bad home with a bad loan for buyers. There are people who went out on the weekend and signed a home and told me at work on Monday.
DINKS So we are good
DINKS=Double income no kids. So what? That is now. what about six months from now? Are there going to be any life changing events? We cant predict every thing but it is NOT difficult to forecast whether a family is going to have a kid or not and what kind of financial implications will such events have?
Peer pressure
Lets take fictitious families R & S living in the same rented community with similar back ground. Mr and Mrs R decide to buy a home and they buy one. Mr S does not think it is right for them to do so. How ever, Mrs S pressures Mr S into doing so. Believe me this happens all the time.
Down payment
There is a reason why 20% down payment was a norm in the mortgage industry for a long time. 20% down payment keeps PMI and the high interest rates on your secondary loan away. I know people who are burned because of PMI and interest rate on second loan. Such down payment will keep the monthly EMI affordable and leaves out gimmicks.
I can understand taking a second loan on the 10% down payment, but people were let go with 0% down payment leaving them with a bad loan and a bad home. Some people bought the home they wanted, but the price was too high. Thats all they are left with.
As President O said, we collectively failed to take difficult and correct decisions even though the greed and deception can be attributed to some people on the wall street.
perm2gc
06-29 05:25 PM
Are the attorneys and law firms spreading rumors about
EB retogression on July 2nd ?
Cynical view:
May be they hope to discourage other people from filing this
weekend?
Non-cynical view:
May be they everyone is nervous and gone insane?:D
one more nail on our coffin :D
EB retogression on July 2nd ?
Cynical view:
May be they hope to discourage other people from filing this
weekend?
Non-cynical view:
May be they everyone is nervous and gone insane?:D
one more nail on our coffin :D
vls
05-15 04:13 PM
Ours was around 30 days after receiving the I-485 receipt.
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